Escolar Documentos
Profissional Documentos
Cultura Documentos
BY
03 MARCH 2015
CONTENTS
1.
2.
3.
4.
5.
6.
7.
8.
SETTLEMENT
RESCHEDULING / RESTRUCTURING
LITIGATION
WRITE-OFF
APPROPRIATION OF SECURITIES
OUTRIGHT SALE
ACQUISITION OF DEFAULTERS PROPERTY
DEBT EQUITY SWAP
MANAGEMENT BY OUT
MERGERS / ACQUISITIONS
OUTSOURCING OF RECOVERY
SPECIAL PACKAGE RELIEF
Page 1
Page 2
Page 3
Page 4
Page 5
IMPORTANT DEFINITIONS
BANK
BORROWER OR OBLIGOR
LIQUID ASSETS
SECURED
SUBORDINATED LOAN
TANGIBLE SECURITY
PRUDENTIAL REGULATIONS
OPERATIONS (O)
10
CATEGORIES OF LOANS
PERFORMING LOANS
REGULAR LOANS
CLASSIFIED LOANS
11
OVERDUES
INCOMPLETE DOCUMENTATION
WEAK SECURITY
WILLFUL DEFAULT
FAULTY FEASIBILITIES
LACK OF EXPERIENCE
UN-ECONOMICAL UNIT
12
PROVISIO
NS TO BE
MADE
SUBSTANDARD
Mark-up or
principal is
overdue by 90
days or more
from the due
date
25%
DOUBTFUL
Mark-up or
principal is
overdue by 180
days or more
from the due
date
As above
50%
(a) Mark-up or
principal is
overdue by 360
days or more
from the due
date
As above
100%
CLASSIFICATI
ON
LOSS
DETERMINANT
13
14
15
REMIDIAL ACTIONS
NEGOTIATED SETTLEMENTS
RESCHEDULING / RESTRUCTURING
16
REMIDIAL ACTIONS
17
REMIDIAL ACTIONS
LITIGATIONS
EXCEPTIONS
i.
ii.
iii.
iv.
.
.
.
SELECTION OF LAWYER
CHANGE / REPLACEMENT OF LAWYER
FOLLOW-UP OF LITIGATION
i.
ii.
iii.
iv.
18
REMIDIAL ACTIONS
WRITE-OFF / WAIVER
DEFECTIVE DOCUMENTATION
DEATH OF SPONSORS & GUARANTORS
UNTRACEABLE ASSETS
AMOUNT OF DECREE IS LESS THAN AMOUNT OF OUTSTANDING
SUBSTANTIAL DECREASE IN VALUE OF SECURITY
NO CHANCES OF RECOVERY OF OUTSTANDING AMOUNT
MANDATORY SCHEME INTRODUCED BY SBP
HUMANITARIAN GROUNDS
APPROVAL MATRIX
19
APPROPRIATION OF SECURITIES
OUTRIGHT SALE
ACQUISITION OF DEFAULTERS PROPERTY
DEBT EQUITY SWAP
MANAGEMENT BY OUT
MERGERS / ACQUISITIONS
OUTSOURCING OF RECOVERY
SPECIAL PACKAGE RELIEF
20
IN ALL THE CASES OF WILLFUL DEFAULT OF RS.100 (M) & ABOVE, AND /
OR ANY CRIMINALITY HAVING BEEN DETECTED AGAINST BORROWERS /
STAFF & OTHERS, THE FIELD OFFICES / SAM BRANCHES MAY FORWARD
THEIR REQUEST TO GH / GC FOR PLACING THEIR NAMES OF EXIT
CONTROL LIST (ECL) THROUGH SBP, WITH THE APPROVAL OF CEO.
21
22
TARGET WISE RECOVERY POSITION FOR THE 1st JAN 30th SEP,
2013 (GROUP WISE)
Amount In
Millions
Cash Recovery
Regularization
M/up
Recove
&
ry In
Total
Target
Target
Achieved Other
During Achieved During
Already Cash WriteDuring Charg
st
st
Classifie 1 Jan- During The 1 JanWritten Recove Off
The
es
th
th
-off
ry
d
30 Sep, Period 30 Sep,
Period Recov
Name Advance 2013
2013
A/Cs.
ery
of
s
Group As On
31-122012
Amoun
Amou
Amoun Amoun Amoun Amou
Amount
% Amount
%
t
nt
t
t
t
nt
8,798.08
530.000553.991105
- 18.181 44.518
6
9,032.10 1,068.00 1,034.4
CIBG
97 600.00050.000 8 44.265
7
0
38
2,837.36
227.22 25
CRBG
87.858245.525279
87.858
50.109
8
5 9
TOTA 20,667. 1,685.851,833.9 10
277.2
112.55
687.858
40
44.518
L
561
8
54 9
25
5
SAM
616.69
SAM
67.650
0
CIBG
1,078.7
CRBG
14.233
03
295.63
4
1,991. 81.88
027
3
23
GROSS
ADVANCES
261,821.558
160,944.941
251,405.835
245,257.287
494,454.766
415,919.050
724,569.281
160,027.124
162,989.540
98,145.186
BANK
Allied Bank Limited
Bank Al-Habib
Bank Al-Falah
MCB Bank Limited
Habib Bank Limited
United Bank Limited
National Bank of Pakistan
Standard Chartered Bank
Askari Bank Limited
NIB Bank Limited
19,692.318
3,877.862
21,296.148
24,936.093
50,643.930
52,438.169
95,568.533
25,145.672
32,830.348
31,461.966
NPL %
NPL %
30-09-2013 31-12-2012
7.52%
7.15%
2.41%
2.41%
8.47%
8.93%
10.17%
9.74%
10.24%
10.10%
12.61%
13.57%
13.19%
12.14%
15.71%
16.99%
20.14%
16.28%
32.06%
34.71%
261,822
160,945
19,692
3,878
251,406
21,296
245,257
24,936
494,455
50,644
415,919
52,438
724,569
95,569
160,027
25,146
162,990
98,145
NPLs
10%
20%
30%
Amount In
Millions
40%
50%
32,830
31,462
60%
70%
80%
90%
100%
24